12 — Ten weeks to real
A working, regulator-legible product in ten weeks — built on foundations that survive the next two years.
Most fintech MVPs are demos with a payment provider bolted on. They win a pitch and then get thrown away, because nothing underneath them was built to hold a ledger, a limit or an audit.
We build the smallest system that is genuinely real: a correct ledger, one payment path that works end to end, identity and monitoring proportionate to the risk, and documentation a regulator or an investor's technical diligence can read. The scope is small. The foundations are not.
Common questions
What should a fintech MVP include that a normal MVP does not?
A real double-entry ledger, an auditable record of every money movement, and identity checks proportionate to the risk being taken. These are the three things that cannot be retrofitted cheaply, and their absence is what makes most fintech prototypes disposable.
Can you build an MVP before the licence is in place?
Usually yes, operating under a partner's licence or in a sandbox, provided the model is chosen deliberately and the ledger is built to be portable. What should not be deferred is the decision about which model you are building for, because it changes the architecture.
How much does a fintech MVP cost to build?
It depends almost entirely on the regulatory model and the number of payment rails, not on the interface. A single-rail product under a partner licence is a fraction of a multi-currency product with its own ledger and compliance stack. We scope against those two variables first.
Next capability
Enterprise financial systems
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Forty-five minutes with the people who would actually run the build.